VP/Commercial Loan Officer

First Northern Bank of Dixon•Sacramento, CA

4d•Onsite

About The Position

This position develops, evaluates and recommends approval of customer applications for commercial loans. Develops, manages, and enhances relationships with new and existing commercial banking/lending clients, including large, complex commercial relationships, manages and deepens a growing portfolio of clients to meet or exceed established portfolio growth goals.

Requirements

HS Diploma or GED Required
Minimum of 5 years’ related experience in commercial lending and strong understanding of underwriting standards for commercial loans required
Strong technical skill with expertise in Microsoft office
Deep understanding of commercial bank programs
Communication – can speak and write clearly and persuasively in all situations; can speak effectively before groups of customers or employees
Problem-solving Skills – can identify and resolve problems in a timely manner and work well in group problem-solving situations
Customer Service – will respond promptly to customer needs, solicit customer feedback to improve service and respond to requests for service and assistance
Attention to Detail – will demonstrate accuracy and thoroughness in work
Judgement – will exhibit sound and accurate judgment, support and explain reasoning for decisions and include appropriate people in decision-making process
Ambition – will set and achieve challenging goals, demonstrate persistence and overcome obstacles
Productivity – will meet productivity standards, complete work in timely manner and strive to increase productivity
Teamwork – can listen without interrupting, remain open to others’ ideas and foster quality focus in the team
Professionalism – will always represent the Bank in the best light
Dependability – will take responsibility for own actions and follow through on commitments
Time Management – can prioritize and plan work activities and use time efficiently

Nice To Haves

Bachelor's degree in business or a related field from four-year college or university preferred

Responsibilities

Generate new loan opportunities from both existing portfolio clients and outside sources
Originate and renew Commercial & Industrial loans as well as Owner Occupied Real Estate loans
Promote and cross-sell other Bank products and services as appropriate to customers
Interview applicant and request specified information for loan application
Request applicant’s financial statements and other information pertinent to loan applicant’s evaluation
Compile loan package and facilitate negotiation of loan structure with applicants, including fees, loan repayment options, and other credit terms
Review applicant financial status, credit and collateral evaluation to determine feasibility of granting loan after receiving application back from Credit Services department
Prepare and present credit analysis and recommendations on commercial borrowing requests
Demonstrate sound judgment in recommending loans for approval or decline
Monitors portfolio for quality, risk, and adherence to policy.
Works closely with Commercial Banking Leadership and Credit Administration to ensure sound portfolio management, client introductions and timely resolution of issues.
Ensure loan documents are complete and accurate according to policy
Active involvement in community organizations and activities